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Current Rates

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Savings Rates

Description Annual Percentage Rate* Annual Percentage Yield*
Tru Savings Accounts - Regular Share 0.15% 0.15%
Tru Checking Accounts
Regular Share Draft
0% 0%
Mega Money Draft 0.25% 0.25%


Tru Certificates of Deposit (APR/APY)

APR/APY 6 Months 12 Months 18 Months 24 Months 36 Months 48 Months 60 Months
< $5,000 0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%
$5,000 - 25,000 0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%
$25,001 - 50,000 0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%
$50,001 - 75,000 0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%
$75,000 - 100,000
0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%
> $100,001 0.20% 0.25% 0.30% 0.40% 0.60% 0.70% 0.75%


Tru Traditional/Roth IRA Accounts

Description Annual Percentage Rate* Annual Percentage Yield*
< $15,000 0.75% 0.75%
$15,000-50,000
1.00% 1.00%
$50,001-100,000
1.00% 1.00%
$101,000-150,000
1.25% 1.26%
> $150,000 1.25% 1.26%


Tru Club Accounts

Description Annual Percentage Rate* Annual Percentage Yield*
Christmas Club 0.20%**
Kid's Club
0.20%**
Club Savings 0.15%**


Tru Super Cash

Description Annual Percentage Rate* Annual Percentage Yield*
< $5,000 0% 0%
$5,000 - 49,000
0.15% 0.15%
$50,000 - 99,999
0.15% 0.15%
$100,000 - 149,000
0.20% 0.20%
> $150,000
0.25% 0.25%


Rates shown are effective and accurate as of 03/17/2021 unless otherwise noted.
Fees may reduce the actual APY earnings.
*Rates and Terms are subject to change without notice.
**Balance must be $50 and greater to earn dividends.
***Mega Money accounts only earn dividends when the average daily balance is maintained at a minimum of $5,000.00.
Early withdrawal or closure of any certificate may generate penalty fees.

Loan Rates

Tru Signature Loans

Loan Type Approximate Terms APR as low as
Unsecured 24 months 8.25%
Unsecured 25 - 36 months 8.49%
Unsecured 37 - 60 months 9.49%
Credit Card - Platinum 9.50%
Credit Card - Business 9.25%
Personal LOC 10.95%


Tru New Vehicle Loans

Loan Type Approximate Terms APR as low as
Up to 100% financing
(Current Year Or Previous With Less Than 15k Miles)
24 - 36 months 2.70%

37 - 60 months 2.90%

61 - 72 months 3.10%

73 - 84 months 4.00%


Tru Used Vehicle Loans

Loan Type Approximate Terms
APR as low as
Models
(not over 7 years 2014 - 2020 or 150k miles)
24 - 36 months 3.20%

37 - 48 months 3.20%

49 - 60 months 3.30%

61 - 72 months (2015 - 2020, Minimum $14k) 3.50%

61 - 72 months (2013 - 2014, Minimum $14k) 6.60%
Models
(not over 12 years 2009 or 200k miles)
24 - 36 months 6.60%

37 - 48 months 6.69%

49 - 60 months 6.69%


Tru Motorcycle & ATV Loans

Loan Type Approximate Terms APR as low as
New Motorcycles Up to 60 months 5.75%

61 - 72 months 6.29%
Used Motorcycles Up to 48 months 6.00%

49 - 60 months 6.39%



New Model ATV's Up to 72 months 7.24%
Used Model ATV's Up to 60 months 7.99%


Tru Boats & Watercraft Loans

Loan Type Approximate Terms APR as low as
New Models Up to 60 months 5.00%

61 - 120 months 5.50%

121 - 144 months 6.00%
Used Models Up to 60 months 5.25%

61 - 120 months 6.00%


Tru Recreational Motor Homes & Camper Loans

Loan Type Approximate Terms APR as low as
New Models Up to 72 months 5.00%

73 - 120 months 6.00%

121 - 144 months 6.99%
Used Models
Up to 72 months
5.50%

73 - 120 months
6.99%


Tru Personal Equipment Loans

Loan Type Approximate Terms APR as low as
Lawn Mowers, Farm Equipment Up to 60 months 8.99%


*Interest Rates and Terms are subject to change without notice.
Interest Rates shown are effective as of 11/27/2020 unless otherwise noted.
The ANNUAL PERCENTAGE RATE (APR) you receive for the above sub-accounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask your credit union for the rate you qualify for.
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